Accepting credit card payments should be effortless. Our secure processing solutions let you take payments via virtual terminal, pay by link, mobile app or through a powerful developer friendly API.
The Easy Way to Process Card Payments
The Easy Way to Process Card Payments
Accepting credit card payments should be effortless. Our secure processing solutions let you take payments via virtual terminal, pay by link, mobile app or through a powerful developer friendly API.
Fast Approval
Simple online signup with next business day approval for most merchants.
Next-Day Settlement
Funds deposited to your chosen bank account the next business day.
One-click surcharging
Eliminate processing costs with one-click surcharging.
One platform.
Total acceptance.
The ultimate payment suite for any workflow. Power your business with a virtual terminal, mobile payments, and automated Xero sync—or build a custom solution with our modern, developer-friendly API.
Turn your phone into a virtual terminal
Take customer payments on the go. Generate scan-to-pay QR codes or send secure payment links directly to your customer’s phone in seconds.
Pay By Link
Request payments via SMS or email and give your customers the convenience of paying from their own device using card, digital wallets or PayID.
Recurring Payments & Memberships
Collect recurring payments on time, every time. Automate your billing to end manual follow-ups and admin for good.
Store cards for repeat sales
Process future invoices and orders in a single click using securely stored payment details.
15+ Years
Trusted by Ambitious Brands
Apply in minutes
Next Business Day Approval
Local Support
Talk to a real person
Get paid instantly with
Pay By links
Create in seconds and send by SMS, email, or QR code and give your customers the convenience of paying from their own device using card, digital wallets or PayID.
Click. Pay. Done
Increase sales and reduce friction with Google and Apple Pay
Let customers pay in seconds with Apple Pay and Google Pay, no card details to enter, no friction, just faster payments across links, invoices, and checkout.
Cut your payment costs
Avoid relying on surcharges by offering low cost options like PayID and PayTo alongside cards at checkout, giving customers more choice while lowering your fees.
On-charge merchant service fee (MSF)
$300.00
$305.95
$300.00
$0.00
$5.95
$0.00
$300.00
$305.95
$300.00
Keep your pricing simple while lowering your payment costs.
On-charge merchant service fee (MSF)
$300.00
$305.95
$300.00
$0.00
$5.95
$0.00
$300.00
$305.95
$300.00
A better WooCommerce integration, ready in minutes
Turn your store into a high converting checkout
Launch a powerful WooCommerce store with one click payments using Apple Pay and Google Pay. Accept PayID, PayTo, BPAY and cards in one platform, boosting conversions while built in protection helps reduce chargebacks.
Shoes Skateboard$180.00
01
T-Shirt Casual$90.00
01
Hat New World$120.00
01
Payment amount$390.00
On-charged fees$7.29
Total amount$397.29
CHOOSE THE PAYMENT METHOD
OR
CREDIT CARD
PAYID
PAYTO
All transactions are secure and encrypted
Succeeded
You've successfully received a payment on July 2023 at 11:23pm.
Modern payments, Trusted by business
Built for developers. Scaled for business.
One API. Every payment option.
Build powerful integrations for any payment flow with our developer-first API and leading-edge iFrame. Offer a frictionless checkout experience across cards and instant bank transfers through a single, secure embed.
From first code to final deployment, accelerate your development with a secure sandbox and local Australian-based tech support assisting you at every step.
DEVELOPER RESOURCES1
2
JS
The Ultimate Payment iFrame
Deliver the ultimate checkout experience with one secure iFrame. Accept cards, digital wallets, and instant bank transfers via PayID and PayTo through a single, easy to configure solution that handles all your PCI-DSS compliance.
AI-Powered Development
Build faster with our MCP-enabled server. Let AI assist in coding your integration, reducing development time and ensuring your payment logic is optimized for performance and security.
Real-time Webhooks
Never miss a transaction event. Our powerful webhooks deliver instant notifications for every payment, refund, or settlement, allowing you to trigger automated workflows and keep your system perfectly in sync.
Enterprise-level protection
Pay Advantage is built on the highest security standards in the payments industry.
AFSL Licensed & Regulated
Operating under an Australian Financial Services Licence (AFSL), our commitment to rigorous regulatory standards ensures the highest level of trust for you and your customers.
PCI Level 1 Certified
We meet the payments industry’s most stringent security requirements, keeping card data in an ultra-secure environment trusted by global banks and card networks.
Australian Data Sovereignty
Securely stored right here in Australia. We keep your core payment and customer data on local servers, ensuring your financial records remain compliant with local privacy expectations.
AI-powered protection
Our systems provide constant monitoring for suspicious activity, using advanced fraud and threat detection to identify and block risks before they impact your business.
Join 6,000+ Australian Businesses Growing with Pay Advantage.
From growing teams to established brands, one platform for every way your customers pay.
⭐⭐⭐⭐⭐
"Great service! Payment links have saved my business in time and chargebacks. Unreal."
⭐⭐⭐⭐⭐
"Have had a very positive experience with PayAdvantage! Super affordable, the commission fees are some of the cheapest on the market.Great personalised customer service - always speaking to someone within Australia and felt understood and listened too. Aus owned and operated is awesome. The features have already improved since being with them (only 6 months) with a brand new analytics dashboard."
⭐⭐⭐⭐⭐
"After contacting all the major banks and multiple calls to other payment providers I came across Pay Advantage. I used the Live Support chat function and was connected with Maddy. She answered all my questions and was fantastic. Very straight forward and to the point. I haven't signed up yet but I likely will. I hope all my support requests go to Maddy as no doubt the best customer service person I have spoken to in recent memory."
⭐⭐⭐⭐⭐
"The sign up process was super simple and I loved receiving a call from customer service, so Pay Advantage could understand my business needs. It is such a modern and effortless way to manage my business payments - and I love all the different products available for me to use. It is definitely a business MUST HAVE!"
⭐⭐⭐⭐⭐
"Absolutely no issues with them at all. Setting up customers, direct debits and everything else was perfect. Made it super convenient to organise clients around pauses, cancellations, refunds and giving good growth metrics as well."
⭐⭐⭐⭐⭐
"Easy setup, helpful service when you need it and able to make my business stand out among the rest, even though I may not be as big as my competitors (yet!)"
⭐⭐⭐⭐⭐
"Been with them for 4 years. Best at everything thing . Great customer service - easy to use interface. Never loose a cent -"
⭐⭐⭐⭐⭐
"Excellent service. Easy to set up and use. Based in Australia too."
⭐⭐⭐⭐⭐
"Great service! Payment links have saved my business in time and chargebacks. Unreal."
⭐⭐⭐⭐⭐
"Have had a very positive experience with PayAdvantage! Super affordable, the commission fees are some of the cheapest on the market.Great personalised customer service - always speaking to someone within Australia and felt understood and listened too. Aus owned and operated is awesome. The features have already improved since being with them (only 6 months) with a brand new analytics dashboard."
⭐⭐⭐⭐⭐
"After contacting all the major banks and multiple calls to other payment providers I came across Pay Advantage. I used the Live Support chat function and was connected with Maddy. She answered all my questions and was fantastic. Very straight forward and to the point. I haven't signed up yet but I likely will. I hope all my support requests go to Maddy as no doubt the best customer service person I have spoken to in recent memory."
⭐⭐⭐⭐⭐
"The sign up process was super simple and I loved receiving a call from customer service, so Pay Advantage could understand my business needs. It is such a modern and effortless way to manage my business payments - and I love all the different products available for me to use. It is definitely a business MUST HAVE!"
⭐⭐⭐⭐⭐
"Absolutely no issues with them at all. Setting up customers, direct debits and everything else was perfect. Made it super convenient to organise clients around pauses, cancellations, refunds and giving good growth metrics as well."
⭐⭐⭐⭐⭐
"Easy setup, helpful service when you need it and able to make my business stand out among the rest, even though I may not be as big as my competitors (yet!)"
⭐⭐⭐⭐⭐
"Been with them for 4 years. Best at everything thing . Great customer service - easy to use interface. Never loose a cent -"
⭐⭐⭐⭐⭐
"Excellent service. Easy to set up and use. Based in Australia too."
Real people. Real payment experts.
Talk to our team
Talk to someone when you need it
Whether you prefer phone, email, or live chat. We promise no long wait times, just real people ready to help.
Problem solvers, not script readers
Talk directly to Australian specialists who know the product and payments inside and out.
Guided setup right from Day One
We provide 1-on-1 walkthroughs, so you can skip the endless clicks and frustrated trials.
Scalable support for every stage
From your first day to your biggest year, we’re here to help you grow and scale.
Powerful card payments. Zero fixed costs.
No setup fees or subscriptions. Just premium card processing — without the premium fees — backed by a local Australian support team that actually answers the phone.
Card payments
(Credit & Debit)
Accept Visa, Mastercard, Amex, Apple Pay and Google Pay via virtual terminal, pay by link, mobile app or API. Premium card processing without the premium fees.
33¢+ 1.69%
per transaction
- Convenient for customers
- Next business day deposits to you
- Real time authorisation
The Promise
You shouldn’t need a subscription just to get paid.
To offer these rates, we use a simple monthly commitment that is fully waived for your first 30 days. This gives you time to onboard customers and scale without pressure.
FAQs
Card payment questions
Accepting credit card payments with Pay Advantage lets an Australian business take secure Visa, Mastercard, and Amex payments — plus Apple Pay and Google Pay — online, by payment link, on mobile, or through an API, with funds settled the next business day.
How can I accept credit card payments in Australia?
Pay Advantage lets you take card payments several ways: through the virtual terminal, by sending a pay-by-link via SMS or email, on a mobile device, or embedded in your own site or app through a developer-friendly API. You can accept Visa, Mastercard, Amex, Apple Pay, and Google Pay.
When do I receive funds from card payments?
Card payments are authorised in real time and funds are deposited to your chosen bank account the next business day. Most merchants also receive next-business-day approval on their application.
How much does it cost to accept credit cards?
Card pricing is a simple per-transaction rate with no setup fees or subscriptions, and a 90-day promise that waives your minimum monthly spend for the first 90 days. See the pricing section on this page for the current rate.
Can I pass card fees on to my customers?
Yes. Pay Advantage supports one-click surcharging so you can pass card fees to customers, and you can offer lower-cost options like PayID and PayTo alongside cards to reduce your processing costs.
Are card payments secure and PCI compliant?
Yes. Payments are processed securely and the Pay Advantage iFrame handles PCI-DSS compliance for you, with built-in protection that helps reduce chargebacks.
Can I set up recurring card payments or store cards?
Yes. You can run recurring payments and memberships on cards, and securely store customer cards for fast repeat sales.
Start Taking Payments Today
Join 6,000+ Australian merchants who’ve made the switch.
- Setup in minutes, not weeks
- PCI-DSS compliant & bank-grade security
- Local Australian support team